In addition to its cash values which can be used for children’s educations, to supplement retirement income and for incidental expenses, universal life insurance is flexible enough to change as your needs change.

Universal life insurance is considered to be the most flexible type of life insurance. UL policies, as they are often called, provide both premium flexibility and death benefit flexibility allowing to you adjust your policy according to your life insurance needs. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis. Many of our UL policies are offered with limited underwriting, meaning often times there are no physical exams required to qualify.

Universal life offers the following advantages:

Lower-cost life insurance (compared to whole life insurance)

No-Lapse Protection

A tax-advantaged savings element that provides a cash value with a guaranteed minimum interest rate

Flexibility to adjust your premium payment and death benefit as your needs change

Favorable loan features

Contact Mark S. Gardner today at 214-762-2327 or email him at MarkGardner@RetireWellDallas.com so he can begin to show you all of your options.today and set you up with the best plan for your needs and budget. Protecting your family through Life Insurance coverage is the biggest gift a person can be given. Protecting their future is the best way you can say I LOVE YOU.

Using Your IRA for a Short-Term Loan
Reported By Mark S. Gardner, 214-762-2327
For many Americans, their IRA is their largest asset. It is not surprising then that in times of financial trouble they may want to turn to their IRA as a quick source of cash.[...] Read More >>

Using Your IRA for a Short-Term Loan
Reported By Mark S. Gardner, 214-762-2327
For many Americans, their IRA is their largest asset. It is not surprising then that in times of financial trouble they may want to turn to their IRA as a quick source of cash.[...] Read More >>